Interest-Free Financing with El Murabaha
At Algerian Union Bank, we offer El Murabaha financing, a cost-plus sale contract where the bank purchases an asset and resells it to the client at an agreed-upon markup, payable in installments. This Sharia-compliant solution provides an ethical alternative for asset acquisition.

Why Choose El Murabaha?
1. Transparent Pricing
- Fixed total cost with no hidden fees.
- Clear, detailed contract terms.
2. Sharia Compliance
- Fully Islamic finance-compliant (no Riba / interest).
- Ethical transaction structure.
3. Flexible Payments
- Installment plans tailored to your financial capacity.
- Customizable repayment schedules.
4. Immediate Ownership
- Asset ownership transfers immediately upon purchase.
- Legal security and full possession from day one.
" Algerian Union Bank’s El Murabaha enabled me to buy my home without interest concerns. The transparent process aligned with my Islamic values, and flexible payments provided invaluable peace of mind ".
How El Murabaha Works
- Application: Submit a financing request.
- Evaluation: AUB assesses repayment capacity and asset value.
- Purchase Promise: Bank and client agree on financing terms.
- Asset Acquisition: Bank buys the asset and resells it at a pre-agreed markup.
- Contract Signing: Formal agreement with installment payment details.